Home Insurance in Denmark, Wisconsin
The median home value in Denmark is $235,200, 12% lower than the Brown County median.
The typical home in Denmark was built around 1981. About 32% of homes were built before 1960, about 10 points above Brown County's 22%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
In Denmark, the housing stock is 79% single-family homes, 14% apartments in buildings with 5+ units and 3% mobile or manufactured homes.
In Denmark, about 64% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
The vacancy rate is 3%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 73% of occupied homes in Denmark are owner-occupied.
In Denmark, 80% of homes are primarily heated with natural gas.
Brown County's top FEMA-rated hazard is hail (Relatively High), per FEMA's National Risk Index. Brown County had 581 active NFIP flood policies as of September 2026. See the full Brown County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Wisconsin carries a statewide average premium of $923 per year.
Key figures
| Median home value | $235,200 |
|---|---|
| Median year built | 1981 |
| Owner-occupied share | 73% |
| Share of owner-occupied homes with a mortgage | 64% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Brown County | 581 |
| Home insurance premium | $923 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)